From this week's issue of Fortune, thirty-something investor Debbie Smith, whose entire net worth is tied up in 20 real estate properties, all highly leveraged and with borrowed down payments, on market risk:

"It's a risk, but I really feel like it's a lot less risky than the stock market. Even if it does crash, it's not like it's worth nothing--like a stock, where the value can go all the way to zero."